. ♪ it's not rocket science. it's just common sense. from td ameritrade. >>> americans are pouring more cash into their retirement plans. fidelity says the average 401(k) balance soared to a record high 77,300 during the fourth quarter. so our americans better prepared for retirement? vice president of market insights of fidelity investments, i would like to know, to what extent does that do to people contributing more. ie, retail investor is back. or is it because of market performance? >> good afternoon, mandy. yes, i would say a lot of it, two thirds, is attributed to market performance and one-third to employee contributions. in fact over the last ten years, about 50% has been to the market and 50% to employee contributions. so it's great news to see that americans are saving and taking advantage of the upswing in the market. >> jeanne, listen. i do question some of the numbers. right? because the numbers are based on things like, to live the way you used to. no one is going to live at 80 the way they lived at 40 making a full incom